What happens if your insurance is cancelled due to nonpayment?

I missed two months of insurance payments. Will they send me to collections? Can I call to try and pay part of it?

Answer provided by
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Emily Maracle
Answered on Jun 14, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“If your car insurance company cancelled your insurance due to non payment, they normally wouldn’t send your account to collections. This is because if you don’t pay your insurance, you simply aren’t insured.
While you did enter into a contract with your insurance company, you are paying on a month to month basis. Since you missed two months, you weren’t insured for those months. They can’t send you to collections for something you didn’t use.
If you’d like to stay with your insurance company or reinstate your policy, you will most likely need to pay the prior balance before they’ll start another policy. This may include additional fees for nonpayment as well. You can always reach out to them directly to confirm what you owe. “
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